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Why "estimate" is the operative word

The [msm_tool slug="currency-converter"] works from a fixed reference table stored in the page rather than a live feed, and the result is labelled an estimate for that exact reason — a browser tool making no network request is necessarily working from whatever numbers it shipped with, correct at the moment they were set and drifting from the real market every day afterwards. The reference date is shown alongside the result specifically so it is possible to judge how stale that snapshot actually is.

Every conversion routes through the dollar

Converting between any two of the seven supported currencies divides by the source rate to reach dollars first and then multiplies by the target rate to leave them, which keeps the underlying table small and means rounding happens once at the very end rather than compounding at each step. It also means a cross-rate — euros to rupees, say — inherits the staleness of both individual rates rather than just one.

The mid-market rate is not the rate anyone actually gets

What is shown here is the mid-market rate, the midpoint between buying and selling in the interbank market, and retail banks and exchange services add their own margin on top of that — typically two to four per cent — plus often a fixed fee besides. The real cost of an actual transfer is reliably worse than this figure, not occasionally.

Never the right figure for an invoice or a tax filing

Those specifically require the rate on a particular date from an authoritative source, usually a central bank's own published reference rate or a tax authority's equivalent, rather than an estimate drawn from a stored table. An auditor will want the dated official figure, and this is not that figure regardless of how close it happens to land.

What is covered, and what is not

The table spans the US dollar, euro, pound sterling, Japanese yen, Canadian dollar, Australian dollar and Indian rupee — anything outside that set of seven simply is not in the table at all, rather than being converted through some looser approximation.